Fannie Mae to Accept Crypto-Backed Mortgages for the First Time



Fannie Mae will now allow home buyers to pledge Bitcoin and crypto for down payments without converting to USD.
This is a major upgrade from the June 2025 directive which only counted crypto as reserve assets.

Why this is huge:
Fannie Mae backs ~25% of all US mortgages. When they accept crypto as a real asset, it sets the standard for the entire US lending industry.
This directly connects Bitcoin to the $12 trillion US housing market, the largest asset class in America.

Key details:
➤ Only crypto on US-regulated exchanges qualifies
➤ Lenders may apply volatility discounts (60-80% value)
➤ Phased rollout expected

Crypto is no longer just an investment. It is becoming part of the US financial system.

Source: WSJ
BTC-2,65%
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